HIF
19 open policies in the October 2026 data. Anyone can join.
Registered as Health Insurance Fund of Australia Limited.
This insurer is a mutual organisation that operates on a not-for-profit basis.
hif.com.au, phone 1300 134 060
- Hospital
- 5
- Hospital and extras
- 5
- Extras
- 9
- Closed to new members
- 9
How its premiums compare in NSW & ACT
HIF's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$122.3017th cheapest of 20
- BronzeHospital only$140.2013th cheapest of 21
- SilverHospital only$182.7015th cheapest of 21
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Plus Hospital, at $122.30 a month before the rebate with a $750 excess: 17th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital, at $140.20 a month before the rebate with a $750 excess: 13th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Hospital, at $182.70 a month before the rebate with a $750 excess: 15th cheapest of 21 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$122.30 to $285.90
- VIC$120.60 to $315.80
- QLD$120.75 to $307.85
- SA$113.60 to $279.30
- WA$91.55 to $235.95
- TAS$117.50 to $279.00
- NT$61.95 to $187.05
- NSW & ACT$142.10 to $738.80
- VIC$136.95 to $757.65
- QLD$134.30 to $755.85
- SA$130.55 to $657.85
- WA$110.05 to $615.90
- TAS$132.90 to $655.95
- NT$81.65 to $484.45
- NSW & ACT$7.15 to $150.70
- VIC$6.70 to $150.70
- QLD$35.50 to $148.50
- SA$7.15 to $147.45
- WA$6.95 to $132.35
- TAS$34.20 to $134.95
- NT$6.95 to $120.75
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $122.30 to $285.90 | $142.10 to $738.80 | $7.15 to $150.70 |
| VIC | $120.60 to $315.80 | $136.95 to $757.65 | $6.70 to $150.70 |
| QLD | $120.75 to $307.85 | $134.30 to $755.85 | $35.50 to $148.50 |
| SA | $113.60 to $279.30 | $130.55 to $657.85 | $7.15 to $147.45 |
| WA | $91.55 to $235.95 | $110.05 to $615.90 | $6.95 to $132.35 |
| TAS | $117.50 to $279.00 | $132.90 to $655.95 | $34.20 to $134.95 |
| NT | $61.95 to $187.05 | $81.65 to $484.45 | $6.95 to $120.75 |
What HIF covers, and what it pays back
Hospital
Its ten hospital policies come with a choice of $200, $500 or $750 excess. HIF doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All ten cover emergency and non-emergency ambulance trips.
Extras
HIF has 13 policies with extras, covering anywhere from 5 to 24 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $54.35typical policy $35.20
- $110.35typical policy $66.85
- $911.85typical policy $773.80
- $150.00typical policy $220.00
- $50.00typical policy $42.00
- $90.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$1,500typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$900typical policy $450
- Chiropractic$550typical policy $400
- Psychology$740typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Hospital | Basic Plus | $61.95NT | All | $500, $750 |
| Bronze Hospital | Bronze | $71.50NT | All | $200, $500, $750 |
| Bronze Plus Hospital | Bronze Plus | $83.35NT | All | $200, $500, $750 |
| Silver Hospital | Silver Plus | $99.60NT | All | $200, $500, $750 |
| Silver Plus Hospital | Silver Plus | $164.95NT | All | $200, $500, $750 |
Hospital and extras policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Starter | Basic | $81.65NT | All | $750 |
| Bronze Plus Simple Choice | Bronze Plus | $122.80NT | All | $750 |
| Silver Plus No Maternity Combo | Silver Plus | $216.00NT | All | $500 |
| Silver Plus Family Mid | Silver Plus | $440.30NT | All | $750 |
| Silver Plus Family Advanced | Silver Plus | $484.45NT | All | $750 |
Extras policies 9
| Policy | From | Sold in | Services |
|---|---|---|---|
| Ambulance Only Cover | $6.70VIC | NSW & ACT, VIC, SA, WA, NT | Ambulance only |
| Basic Extras | $31.85NT | All | 5 |
| Value Extras | $39.45NT | All | 12 |
| Simple Extras | $47.60NT | All | 14 |
| Essential Extras | $61.15NT | All | 16 |
| Special Options | $63.90NT | All | 15 |
| Advanced Extras | $85.80NT | All | 24 |
| Super Options | $96.90NT | All | 23 |
| Top Extras | $120.75NT | All | 24 |
HIF also has 9 older policies (462 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about HIF
- Who can join HIF?
- Anyone can join. HIF sells 19 policies to new members (5 hospital-only, 5 combined and 9 extras-only), going by the October 2026 data.
- How much is HIF hospital cover?
- Its cheapest hospital policy for a single is $61.95 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does HIF pay for a dental check-up?
- Up to $54.35 for a check-up (dental item 012) on its Advanced Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.